Early release of Super Funds – Can I use my Superannuation for my Plastic Surgery?

Quite often patients ask us will my super pay for plastic surgery and how to go about applying for an early release of super funds to pay for their plastic surgery. This is not an unusual question, particularly for patients seeking procedures such as”>abdominoplasty and skin reduction after massive weight loss, breast reduction surgery or eyelid surgery.

Early Release of Superannuation Funds for Plastic Surgery is possible for some surgeries

Many patients have been able to access their accumulated funds to pay for their life-changing surgery and this may apply in your case. However, there is a special government process to follow and forms to fill out, and it is not always possible.

If you are considering applying for an early withdrawal of your super to help pay for your plastic surgery there are some important things you need to know.

How do I Apply for Early Release of My Superannuation?

The application for early release of super for surgery is made through the ATO via your ‘MyGov’ account.

However, there are certain Super Funds that may not allow early withdrawals. Furthermore, the rules and regulations around super withdrawal for surgery are subject to sudden changes.

How do I know if my application for early release will be approved?

The answer to this question is that it will depend on a number of factors, including your financial situation.

If you apply for an early release of super:

  • Your condition must meet certain criteria to apply for compassionate release of funds.
  • Often procedures that are elligible are those that are Medically necessary plastic surgery, NOT cosmetic surgery (like Breast Augmentations)
  • Approval can take weeks (around 2-3 weeks or longer)
  • Approval for early realease may come from your Fund provider and not the ATO.
  • Abdominoplasty or Lipectomy after weight loss
  • Breast Reduction Surgery where heavy breasts lead to physical pains and chronic skin conditions
  • Body Contouring or Skin Reduction Surgery after weight loss or Bariatric Surgery
  • Other Surgeries for relieving Chronic Pain conditions

When it comes to an early release of Superannuation for Surgery, some Super Funds allow early super withdrawal for procedures, however, some do not.


Can Superannuation Funds Be Used to Pay For Plastic Surgery For Younger Patients?

Typically, Australians cannot access their Super until they reach the “preservation age”. This age is between 55 and 60, depending on your birth date. But, under unique and individual circumstances, the ATO will assess early access on ‘compassionate grounds’. This includes medical procedures to treat life-threatening illnesses and chronic pain.

Not all super funds permit early access of super benefits on these grounds. You should check with your super fund before applying.

The ATO website also provides useful information on the preservation of Super and gaining early access.

As with any financial decision we suggest you research your options and make a decision that is in your best interest.

Patients can also make incremental payments leading up to their surgery. You can check out our blog post explaining this in more detail – Paying For Plastic Surgery

*Disclaimer: Individual results can vary significantly from patient to patient. The information we provide is general.  For further information on what to expect for your preferred procedures, arrange to see one of our Specialist Plastic Surgeons for a full history and surgical consultation.


About Dr Richard Sackelariou Plastic Surgeon

Dr Richard Sackelariou MBBS FRACS(Plas) is a Specialist Plastic, Cosmetic and Reconstructive  Surgeon in Melbourne, Victoria and Sydney, Australia.

Dr Sackelariou is a highly sought-after Plastic Surgeon for precision procedures like nose reshaping, tummy tucks, breast surgery including transaxillary incision methods, implant removal/replacement and Breast Lift procedures.

His signature surgeries include – neck lift, facelift and eyelid rejuvenation procedures. He also performs expert cosmetic injections for facial rejuvenation.

Patients love his caring manner, his dedication to excellence and his extensive expertise in surgical planning for a natural-looking, harmonious result.

What’s Next

Book a Consultation with Dr Sackelariou in Melbourne or Sydney. A caring discussion with a Plastic Surgeon about all your options can really help. The best thing is to start with a phone enquiry and consider having a Consultation with Dr Sackelariou. Try the Free Nose Simulation Tool.


If you are considering cosmetic plastic surgery then Dr Richard Sackelariou is the specialist plastic surgeon for you.

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Dr Sackelariou can assist you in achieving your desired body image, helping restore you to a more youthful and confident self.

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